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Self Employed Loan Programs

For 1099 recipients, P&L users or qualify using assets.

Bank Statement Programs

See how you can qualify without having to show tax returns.

Investor DSCR or Rental Income Loans

Perfect for investors who want tenant rent to cover mortgage.

Prime Jumbo and Super Jumbo Mortgages

For high-income earners who make $250,000+ a year.

Reverse Mortgages

For homeowners to leverage the equity in their home.

FHA Home Loans

Popular for first-time homebuyers.

Refinancing

Replace your current home loan with a new one.

Conventional Mortgages/Conventional High Balance

A loan not guaranteed or insured by the federal government.

Fixed-Rate Mortgages

Offers predictability for your budget.

VA Home Loans

Guaranteed by the U.S. Department of Veterans Affairs.

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Warning Signs That Pests May Be Damaging Your California Home


If you’ve noticed unusual signs of damage around your property, pests may be to blame. Rodents, insects and other types of pests can wreak havoc on properties. Here are some signs of pests possibly causing damage in your California home.

Unstable Floors

The sudden feeling that the floors in your home are unstable could be a sign of a pest problem. This may be especially true if you have hardwood floors that are damaged because of termites. You might notice the boards curling on your floor as damage persists. Flaking and crumbling may also become noticeable as your floors continue to deteriorate from the damage. Crushed-looking wood at structurally significant points can be another obvious sign of a pest problem.

Tap Test Failure

Damage that’s impossible to see can sometimes be detected by performing a tap test on wood surfaces around your home. Wood that’s solid all the way through should produce a thudding sound when tapped, and any hollow sounds could mean that termites or other pests are wearing away at the wood. Hollow sounds also mean that significant portions of your wood have already been lost, and calling a termite treatment specialist and contractor to repair the damage can resolve the problem and protect your home’s structure.

Electrical Problems

If lights, appliances or other equipment around your home that’s powered by electricity start to fail, you might have a pest problem on your hands. Lights that dim or completely go out along with appliances that don’t have as much power or fail to turn on when plugged in could mean that pests are damaging the wires. Rodents are known to chew through wires, which can also create a fire hazard in your home.

Mud Tunnels

Tubes that appear to be made of mud may be visible in your yard and even on the side of your home. These tunnels are often constructed by organ pipe mud dauber wasps to store their larvae. Termites are also known to build tunnels that look like mud but are made from a combination of soil and wood along with a substance consisting of their saliva and feces. You might find these lining walls and floors, acting as a sure sign of infestation if you find them in your California home.

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